So California basically dropped this massive privacy regulation last year and now if you’re doing anything financial in the state they’re requiring crazy audit standards. Meanwhile the CFPB is completely reshuffling remittance rules which is chaos if you ever send money internationally.

Add to that the geopolitical stuff that keeps threatening to disrupt normal payment routes and honestly the traditional payment infrastructure feels like it’s getting simultaneously more surveilled and more fragile

Fraud is getting worse too. Last year Americans reported nearly 400 million in digital payment app fraud and that’s just reported cases. Scammers are getting smarter with deepfakes and AI now so you can’t even trust a voice call. The whole thing makes you realize how exposed you are just using normal payment apps.

It’s making me more paranoid about my transaction history being visible to whoever wants to look, especially for international stuff. Like I don’t love that every payment I make is just permanently recorded and visible.

I started looking into options and found AnomaPay which basically lets you send stablecoins privately without jumping through hoops. You’re still using the same assets you already have, it’s just private. Sounds gimmicky but after dealing with regulatory chaos and knowing fraud is getting worse, having actual privacy on where your money goes feels less like a luxury and more like baseline common sense at this point.

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